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Personal Lending

If you're looking to borrow money, we can help.

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Personal Loan Application

Central Line of Credit

We offer personal lines of credit for a variety of purposes - vacations, education, gifts, or unplanned expenses. It's flexible and simple to access.

Platinum Line of Credit

Enjoy peace of mind with access to funds when you need it most. The platinum line is automatically accessed when your checking account balance drops below zero, providing a safety net during temporary cash shortages.

Borrow as little as $2,500

Secured and unsecured loans available

Apply Now

Personal Lending

If you're looking to borrow money, we can help.

Central Line of Credit

We offer personal lines of credit for a variety of purposes - vacations, education, gifts, or unplanned expenses. It's flexible and simple to access.

Platinum Line of Credit

Enjoy peace of mind with access to funds when you need it most. The platinum line is automatically accessed when your checking account balance drops below zero, providing a safety net during temporary cash shortages.

Borrow as little as $2,500

Secured and unsecured loans available

Apply Now

Auto Loans

One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater.

Apply Now Auto Loans

Auto Loans

One of the most exciting purchases you’ll ever make, whether it’s a car that holds your entire family, or a sporty little two-seater.

Apply Now Auto Loans

We Do Dream Building

We offer a wide variety of loan programs, and our lenders are eager to help you find the solution that fits your needs.

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Mortgages

We can lend in six states and offer a wide variety of loan options.

Home Loans
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Home Equity Line of Credit

Use the equity in your home to fund projects.

What is a HELOC?

Credit Cards

Earn more rewards for all your everyday purchases.1

3x the Points

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

1x the Points

  • All other purchases

Easy Redemption

Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com. Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1

Additional Visa Benefits

Visa’s Zero Liability Policy means your won’t be held responsible for any unauthorized charges made with your card or account information.2 Other benefits include auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

Online Card Control

View transactions, pay bills and track expenses using the online portal. Credit Card account includes eStatements with access to 18 months of history.

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Cards issued by UMB Bank, n.a. Online Account Access – www.cardcenterdirect.com Customer Service – 1.800.821.5184

1 Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.

2 Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

3 See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

How can we help?

Let us know the best way to reach you and one of our customer representatives will be in touch.

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Secure Page Sign-In

Ensuring the security of your personal information is important to us. When you sign in to Online Banking on our home page, your User Name and Password are secure. The moment you click the Log In button, we encrypt your user name and password using Secure Sockets Layer (SSL) technology.

Browser Security Indicators

You may notice when you are on our home page that some familiar indicators do not appear in your browser to confirm the entire page is secure. Those indicators include the small "lock" icon in the bottom right corner of the browser frame and the "s" in the Web address bar (for example, "https").

To provide the fast access to our home page, we have made signing in to Online Banking secure without making the entire page secure. You can be assured that your ID and password are secure and that only Central National Bank has access to them.

Centralnational.com is SSL-Encypted

Secure Socket Layer (SSL) technology secretly encodes (encrypts data) information that is being sent over the Internet between your computer and Central National Bank, helping to ensure that the information remains confidential.

Leaving Site

You have requested a web page that is external to the Central National Bank (CNB) web site. The operator of the site you are entering may have a privacy policy different than CNB. CNB does not endorse or monitor this web site and has no control over its content or offerings.

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